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Super
investment
options

Choosing the right investment option is important. It's your money, after all. Our wide range of investment options allows you to invest based on your own preferences and risk appetite.

You can choose to leave the investment decisions to us or take a more hands-on approach to making an investment choice.

canva-office-colleagues-executive-collaboration

MySuper

The government defines MySuper as a simple, cost-effective, balanced superannuation product designed for members who want to leave the investment decisions to their superannuation fund.

If you don’t make any investment choice, your super will be invested in our MySuper investment option.

Hostplus MySuper option

The Balanced option is our MySuper investment option, and over a million Hostplus members are invested in this option. It’s an award-winning investment option¹ and a top performer over the long term.²

Learn more
Hostplus awards

Investment
Options

If you’d like more control over your super, you can choose+ from our pre-mixed options, our single sector options, our direct investment option, Choiceplus, or our Hostplus Life option.

You can also mix and match different options to suit your investment risk profile and financial objectives.

Read our Member Guide for more information about the terms we use to describe these options.

12 options

  • What are pre-mixed options?

    Our pre-mixed options invest in combinations of asset classes. They have varying levels of investment risk and focus on three different investment styles and themes:

    Our Core pre-mixed investment options focus on delivering the best net return for a given level of risk. These options take full advantage of Hostplus’ investment expertise and feature our best investment ideas across listed and unlisted assets, bonds and cash.

    Our Indexed pre-mixed investment options focus on minimising investment fees and costs. These options generally use a passive investment style to invest in listed companies, bonds, and cash, and aim to track the returns of the markets in which they invest.

    Our Socially Responsible Investment (SRI) pre-mixed options focus on values-based investing. These options seek to reduce exposure to industry segments within fossil fuels and tobacco production, as well as other factors.

  • High Growth

    • Core
    The High Growth investment option is focused on delivering the best net return from investing in a portfolio of all growth assets and has medium diversification.
    Who is this investment suitable for?
    With all growth assets, this Core pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking very strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.79%
    Return target
    CPI + 5.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Shares Plus

    • Core
    The Shares Plus investment option is focused on delivering the best net return from investing in a portfolio that has a strong bias to growth assets and has high diversification.
    Who is this investment suitable for?
    With a strong bias to growth assets, this Core pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking very strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    90% growth / 10% defensive
    Total investment fees and costs*
    0.87% p.a.
    Return target
    CPI + 4.5% p.a. over 20 years
    Net return^

    9.06%

    Investment Details

  • Balanced

    • Core
    • MySuper
    The Balanced investment option is focused on delivering the best net return from investing in a portfolio that has a bias to growth assets and has high diversification.
    Who is this investment suitable for?
    With a bias to growth assets, this Core pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns and have a medium to high tolerance of negative returns. This option is also designed for members who do not wish to make an investment choice.
    More details
    Investment timeframe
    5 years +
    Risk level
    Medium to high
    Asset mix
    76% growth / 24% defensive
    Total investment fees and costs*
    0.98% p.a.
    Return target
    CPI + 4% p.a. over 20 years
    Net return^

    8.09%

    Investment Details

  • Conservative Balanced

    • Core
    The Conservative Balanced investment option is focused on delivering the best net return from investing in a portfolio that has a similar proportion of growth and defensive assets and has high diversification.
    Who is this investment suitable for?
    With a similar proportion of growth and defensive assets, this Core pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a medium tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    Medium
    Asset mix
    57% growth / 43% defensive
    Total investment fees and costs*
    0.69% p.a.
    Return target
    CPI + 3.0% p.a. over 20 years
    Net return^

    5.85%

    Investment Details

  • Capital Stable

    • Core
    The Capital Stable investment option is focused on delivering the best net return from investing in a portfolio that has a bias to defensive assets and has high diversification.
    Who is this investment suitable for?
    With a bias to defensive assets, this Core pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking modest long-term returns and have a low to medium tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    Low to medium
    Asset mix
    38% growth / 62% defensive
    Total investment fees and costs*
    0.59% p.a.
    Return target
    CPI + 2.0% p.a. over 20 years
    Net return^

    3.89%

    Investment Details

  • Defensive

    • Core
    The Defensive investment option is focused on delivering the best net return from investing in a portfolio that has a strong bias to defensive assets and has medium diversification.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Core pre-mixed investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a low tolerance of negative returns.
    More details
    Investment timeframe
    2 years +
    Risk level
    Low
    Asset mix
    19% growth / 81% defensive
    Total investment fees and costs*
    0.21%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Indexed High Growth

    • Indexed
    The Indexed High Growth investment option is focused on minimising investment fees and costs from investing in a portfolio of all growth assets and has low diversification.
    Who is this investment suitable for?
    With all growth assets, this Indexed pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.04%
    Return target
    CPI + 3.0% p.a. over 20 years.
    Net return^

    -

    Investment Details

  • Indexed Balanced

    • Indexed
    The Indexed Balanced investment option is focused on minimising investment fees and costs from investing in a portfolio that has a bias to growth assets and has medium diversification.
    Who is this investment suitable for?
    With a bias to growth assets, this Indexed pre-mixed investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    75% growth / 25% defensive
    Total investment fees and costs*
    0.04% p.a.
    Return target
    CPI + 2.5% p.a. over 20 years
    Net return^

    7.67%

    Investment Details

  • Indexed Defensive

    • Indexed
    The Indexed Defensive investment option is focused on minimising investment fees and costs from investing in a portfolio that has a strong bias to defensive assets and has medium diversification.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Indexed pre-mixed investment option is designed for members with a medium-to-long-term investment timeframe, who are seeking stable returns and have a low to medium tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    Low to Medium
    Asset mix
    19% growth / 81% defensive
    Total investment fees and costs*
    0.05%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Socially Responsible Investment (SRI) – High Growth

    • Socially Responsible
    The Socially Responsible Investment (SRI) - High Growth investment option is focused on values based investing from investing in a portfolio of all growth assets and has medium diversification.
    Who is this investment suitable for?
    With all growth assets, this Socially Responsible Investment pre-mixed option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.57%
    Return target
    CPI + 3.5% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Socially Responsible Investment (SRI) – Defensive

    • Socially Responsible
    The Socially Responsible Investment (SRI) - Defensive investment option is focused on values-based investing from investing in a portfolio with a strong bias to defensive assets and has medium diversification.
    Who is this investment suitable for?
    With a strong bias to defensive assets, this Socially Responsible Investment pre-mixed option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a low tolerance of negative returns.
    More details
    Investment timeframe
    2 years +
    Risk level
    Low
    Asset mix
    19% growth / 81% defensive
    Total investment fees and costs*
    0.17%
    Return target
    CPI + 1.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Socially Responsible Investment (SRI) – Balanced

    • Socially Responsible
    The Socially Responsible Investment (SRI) - Balanced investment option is focused on values-based investing from investing in a portfolio with a bias to growth assets and has high diversification.
    Who is this investment suitable for?
    With a bias to growth assets, this Socially Responsible Investment pre-mixed option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a medium to high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    Medium to high
    Asset mix
    71% growth / 29% defensive
    Total investment fees and costs*
    0.62% p.a.
    Return target
    CPI + 3% p.a. over 20 years
    Net return^

    -

    Investment Details

What is the Hostplus Life investment option?

The Hostplus Life investment option focuses on adjusting your level of investment risk depending on your age and has high diversification.

Icon depicting member eligibility or a person asking a question

Who is Hostplus Life suitable for?

This investment option is designed for members who would like to automatically move from higher-risk Core investment options to lower-risk Core investment options as they approach retirement.

Throughout your younger years, Hostplus Life is focused on long-term capital growth, with a higher investment in assets such as listed equities and property. As you move closer to retirement, your superannuation will be focused more on providing a steady income and preserving capital.

Learn more
9 options

  • What are single sector options?

    The single sector investment options invest only in a specific asset class, such as Cash or Australian Shares, and have varying investment styles.

  • Australian Shares

    The Australian Shares investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all growth assets (typically companies listed predominantly on the Australian Securities Exchange) and has low diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns and have a high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.62% p.a.
    Return target
    CPI + 4.0% p.a. over 20 years
    Net return^

    8.93%

    Investment Details

  • International Shares

    The International Shares investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges, including developed and emerging markets, and may include some unlisted assets) and has medium diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.43% p.a.
    Return target
    CPI + 4.0% p.a. over 20 years
    Net return^

    9.93%

    Investment Details

  • International Shares – Indexed

    The International Shares – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges in developed markets only) and has low diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking modest long term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive   
    Total investment fees and costs*
    0.11% p.a.
    Return target
    CPI + 2.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Diversified Fixed Interest

    The Diversified Fixed Interest investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all defensive assets (Australian and international government bonds and other investment grade debt) and has medium diversification.
    Who is this investment suitable for?
    With all defensive assets, this single sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a medium tolerance of negative returns.
    More details
    Investment timeframe
    2 years +
    Risk level
    Medium
    Asset mix
    0% growth / 100% defensive
    Total investment fees and costs*
    0.14% p.a.
    Return target
    CPI p.a. over 20 years
    Net return^

    1.16%

    Investment Details

  • Cash

    The Cash investment option is focused on a single sector from investing in a portfolio of all defensive assets (could include deposits in a bank, investments in short-term money markets and other similar investments) and has low diversification.
    Who is this investment suitable for?
    With all defensive assets, this single sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a very low tolerance of negative returns.
    More details
    Investment timeframe
    2 years +
    Risk level
    Very low
    Asset mix
    0% growth / 100% defensive
    Total investment fees and costs*
    0.02% p.a.
    Return target
    CPI p.a. over 20 years
    Net return^

    1.54%

    Investment Details

  • Australian Shares – Indexed

    • Introduced on 18 March 2022
    The Australian Shares – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all growth assets (typically companies listed predominantly on the Australian Securities Exchange) and has low diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long term returns and have a very high tolerance of negative returns.
    More details
    Investment timeframe
    5 years +
    Risk level
    Very high 
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.04% p.a.
    Return target
    CPI + 3.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • International Shares (Hedged) – Indexed

    The International Shares (Hedged) – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges in developed markets only) and has low diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking modest long-term returns, have a very high tolerance of negative returns and want to limit impact of foreign currency movements.
    More details
    Investment timeframe
    5 years +
    Risk level
    Very high
    Asset mix
    100% growth / 0% defensive 
    Total investment fees and costs*
    0.07% p.a.
    Return target
    CPI + 1.5% p.a. over 20 years
    Net return^

    -

    Investment Details

  • International Shares - Emerging Markets

    • Introduced on 18 March 2022
    The International Shares - Emerging Markets investment option is focused on delivering the best net return in a single sector from investing in a portfolio of all growth assets (typically companies listed on international securities exchanges in emerging markets only) and has medium diversification.
    Who is this investment suitable for?
    With all growth assets, this single sector investment option is designed for members with a medium to long-term investment timeframe, who are seeking strong long-term returns, have a high tolerance of negative returns and can accept the impacts of foreign currency movements.
    More details
    Investment timeframe
    5 years +
    Risk level
    High
    Asset mix
    100% growth / 0% defensive
    Total investment fees and costs*
    0.66% p.a.
    Return target
    CPI + 4.0% p.a. over 20 years
    Net return^

    -

    Investment Details

  • Diversified Fixed Interest – Indexed

    • Introduced on 18 March 2022
    The Diversified Fixed Interest – Indexed investment option is focused on minimising investment fees and costs in a single sector from investing in a portfolio of all defensive assets (Australian and international government bonds and other investment grade debt) and has low diversification.
    Who is this investment suitable for?
    With all defensive assets, this single sector investment option is designed for members with a short-term investment timeframe, who are seeking stable returns and have a medium tolerance of negative returns.
    More details
    Investment timeframe
    2 years +
    Risk level
    Medium
    Asset mix
    0% growth / 100% defensive
    Total investment fees and costs*
    0.08% p.a.
    Return target
    CPI - 0.5% p.a. over 20 years
    Net return^

    -

    Investment Details
Icon depicting direct investment or a target

What is the Choiceplus investment option?

Developed for members who want a more active role in investing their super or pension, Choiceplus allows direct investment into companies in the S&P/ASX 300 Index; Exchange Traded Funds (ETFs) covering developed, emerging and commodity markets; a selection of Listed Investment Companies (LICs); and term deposits.  

Icon depicting control over options

More choice, more control

With its easy-to-use online investment platform, Choiceplus can help streamline your investing activities. It allows you to make investments in real time, and provides comprehensive market information, research and access to an end-of the-day market wrap-up. More choice and control over your investments? That’s a plus. 

Learn more

+ Please note that Maritime Contributory Accumulation Members who joined before 1 July 2008 and have not waived their Protected Minimum Benefit have restricted investment choice. Refer to the Maritime
Contributory Accumulation Member Guide for more information. 

* Total investment fees and costs are estimates based on the previous financial year. Because of this, fees and costs payable in respect of each future year may be higher or lower. For a full breakdown of fees and costs, see our fees and costs page or the ‘Fees and other costs’ section of the Member Guide.  

^ Investment returns for periods ending 31 March 2024, net of investment fees and costs. Administration and other fees apply. Not all options will display returns for every period due to varying launch dates. See investment returns page for returns over all available periods.

Make an
informed choice

Learn more about our different investment options in our detailed guides. 

Why choose
Hostplus

We’re an industry super fund aiming to give you the future you deserve.

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1. Awards and ratings are only one factor to be taken into account when choosing a super fund. 

2. Hostplus’ Balanced option is ranked number one versus peers over 10 and 20 years. Source: SuperRatings Accumulation Fund Crediting Rate Survey – SR50 Balanced (60–76) Index, February 2024. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund. The Canstar 2023 Outstanding Value: Superannuation Award was received in March, 2023 for the Hostplus Superannuation and Personal Super Plan and the Hostplus Executive products. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.